Roof Replacement in Severance, CO
Thinking about a new roof in Severance, Colorado? Roof Replacement Fort Collins CO puts Severance homeowners in touch with independent local roofers who hold the license your town requires. You get a free inspection and a written, itemized estimate, then decide at your own pace. We are a referral service and do no roofing work ourselves.
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Roof Replacement for Severance Homes
Severance has grown quickly. The 2020 Census counted 7,683 residents, and the Census Bureau's July 2025 estimate puts the town at 11,841, more than half again as many people in five years. Nearly every household here owns its home: the owner-occupied rate is 91.6%, so the roof is almost always the family's own project.
A re-roof in Severance runs through the Town, not Weld County. The Town issues the permit, SAFEbuilt Colorado inspects the work, and a roofer can't get a permit without a Town contractor license. We pair you with a roofer who already works within those steps.
Homes and Roofs in Severance
The median owner-occupied home value in Severance is $528,500 (Census ACS, 2020–2024). With thousands of residents added since 2020, a good share of roofs sit on newer homes, while the original farm-town streets hold older houses.
That farm history is real. Bruce Eaton, son of Governor Benjamin Eaton, established the town in 1906, and it served as a sugar-beet receiving station for the Great Western Sugar factory in Windsor until 1985. Even the name was an accident: in 1894 David E. Severance applied for a post office to be called "Tailholt", and it was registered under his own name instead.
Roof Work Covered in Severance
- Full replacement. For a roof near the end of its life, your roofer pulls the Town permit, tears off, re-decks where needed and books the SAFEbuilt inspection.
- Storm and hail damage. After a summer storm crosses Weld County, the roofer photographs and measures any damage. You and your insurer settle the claim from there.
- Metal roofs. Standing-seam or panel metal suits owners who plan to stay for decades and want a long-lived roof.
- Shingle roofs. Architectural and impact-resistant shingles are both available. We found no Town Class 4 requirement, which leaves the grade up to you.
- Repairs. A few lifted shingles or a flashing leak may need only a fix. A fair roofer will say so.
Full roof replacement · Storm and hail damage · Metal roofs · Shingle roofs · Roof repair
Hail and Tornado History Near Severance
Hail is the Front Range's routine threat: Colorado DHSEM puts the damaging season between mid-April and mid-September and ranks Colorado second nationally for hail claims. No official report we found names Severance itself; the closest documented event is next door.
On May 22, 2008, an EF3 tornado with winds near 165 mph cut a 24-mile path through Weld County, centered on neighboring Windsor (NWS Boulder). It damaged about 850 homes, caused $147 million in insured losses, Colorado's costliest tornado, and dropped hail up to baseball size. At the county level, the May 8, 2017 Front Range hailstorm also listed Weld among the affected counties (NCEI).
Severance Permits and Contractor Licenses
The Town's "What Needs a Permit" sheet lists re-roofing, with one permit per building on the property. Weld County's re-roof exemption covers only unincorporated land, so it doesn't apply inside town limits.
The Town won't issue an over-the-counter permit without a contractor license. To hold one, a roofer shows proof of competence (an ICC exam or equivalent license), workers' comp, general liability of at least $100,000 per occurrence and $300,000 aggregate, and $300,000 in auto liability. SAFEbuilt Colorado handles every inspection. Your roofer should confirm details with the Permit Clerk at 970-686-1218 or building staff at (970) 420-1681, at Town Hall, 3 S. Timber Ridge Pkwy.
What a Severance Roof Costs
No Severance-specific price data exists that we could find, so these are state and nearby figures.
| Cost row | Figure | Source (year) |
|---|---|---|
| Whole roof, Colorado average | about $9,534 (typical range $7,332–$23,862) | This Old House (2026) |
| Asphalt shingles, Colorado average | about $4.68 per sq ft | This Old House (2026) |
| Hail-resistant roof upgrade, 2,000 sq ft home | about $3,000–$5,000 extra | Colorado Insurance Commissioner via The Colorado Sun (2026) |
| Metal roofing, Colorado average | about $9.43 per sq ft; standing-seam steel about $14.45 | This Old House and RoofObservations (2026) |
| Asphalt shingles, Fort Collins | $4–$7 per sq ft installed | HomeBlue (2024, dated) |
Since Severance doesn't require Class 4, the hail-resistant upgrade is optional. Before you choose, ask your insurer whether it gives a discount for impact-resistant roofs; many do. The state's new roof-grant program, Strengthen Colorado Homes (SB26-155), won't pay out before 2027 at the earliest.
Why Ask Here in Severance
Severance has a strong small-town streak. It incorporated in 1920 by a vote of 40 to 0 and now runs under its own Home Rule Charter. Every August, Severance Days brings a parade, a car show at the high school and fireworks at Community Park.
- Town rules known up front. Your roofer works under Severance's own license and permit process.
- One roofer, one written estimate. Your details go to a single roofer, not a crowd.
- Clear on the deductible. Colorado law bars a roofer from paying, waiving or rebating any part of it.
Check Your Address and Your Roof
Confirm we cover your street, then try the five-question repair-or-replace quiz.
Severance Roof FAQs
Does Weld County issue my re-roof permit in Severance?
No. Severance is an incorporated town with its own permit office, so the Town of Severance issues it and SAFEbuilt Colorado inspects. Weld County's re-roof exemption applies only outside town limits. Your roofer files online and can confirm with the Permit Clerk at 970-686-1218.
Do I need Class 4 shingles in Severance?
We found no Town rule requiring them. Fort Collins and Loveland require Class 4 when half the roof or more is replaced, but Severance hasn't adopted that, as far as we could confirm. You can still choose them, and many insurers offer a discount for impact-resistant roofs.
How do I know a roofer can work in Severance?
Ask for their Severance contractor license. The Town won't issue an over-the-counter permit without one, and getting it takes proof of competence plus liability, auto and workers' comp coverage. Building staff at (970) 420-1681 can answer licensing questions.
What if my insurer denies the claim after I sign?
On an insurance-paid roofing contract, Colorado law gives you 72 hours from the insurer's written denial, in whole or in part, to cancel in writing. The roofer returns your payments within 10 days but may keep pay for work already done.
Around Severance
Windsor, CO is just west, Greeley lies to the south, and Timnath sits toward Fort Collins.
Roof replacement in Windsor, CO · Roof replacement in Greeley · Roof replacement in Timnath
Book a Free Severance Inspection
Share a few details and we'll pass them to one local roofer who works in Severance. The inspection is free, the estimate comes in writing, and you owe nothing for asking. Call (970) 555-0153 or send the short form.